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Wise or Western Union?
We record rates for both services on 25 corridors. Here is which one came out cheaper on each at the latest reading β total cost, fees and exchange-rate margin included.
What the readings show
Western Union is cheaper on 14 of the 25 corridors where we compare both.
So there is no single answer: the cheaper one depends on the corridor, and sometimes on the amount sent.
Ranking is on total cost β advertised fees plus the margin taken on the exchange rate β for the same amount and on the same date. A rate recorded more than three days ago is not compared against today's market.
Corridor by corridor
| Corridor | Cheaper | Gap | |
|---|---|---|---|
| Canada β Haiti | Western Union (2.94 %) | 14.31 points | See details |
| Germany β Ethiopia | Western Union (1.92 %) | 7.97 points | See details |
| United Kingdom β Ethiopia | Western Union (0.83 %) | 6.48 points | See details |
| France β Tunisia | Western Union (3.68 %) | 6.22 points | See details |
| United States β Haiti | Western Union (7.11 %) | 5.36 points | See details |
| Canada β Morocco | Western Union (3.41 %) | 4.61 points | See details |
| United States β United Kingdom | Wise (1.45 %) | 4.55 points | See details |
| United States β Canada | Wise (1.83 %) | 4.52 points | See details |
| United States β Colombia | Wise (3.10 %) | 3.82 points | See details |
| United States β Nigeria | Wise (-1.47 %) | 3.56 points | See details |
| United States β Ethiopia | Western Union (5.70 %) | 3.20 points | See details |
| United States β Philippines | Wise (1.71 %) | 3.17 points | See details |
| Germany β Morocco | Western Union (2.81 %) | 3.06 points | See details |
| France β Morocco | Western Union (2.89 %) | 2.97 points | See details |
| Spain β Morocco | Western Union (2.89 %) | 2.88 points | See details |
| United Kingdom β Nigeria | Wise (-1.77 %) | 2.35 points | See details |
| United Kingdom β Ghana | Western Union (1.72 %) | 1.45 points | See details |
| United Kingdom β Kenya | Wise (2.55 %) | 1.33 points | See details |
| Spain β Ecuador | Wise (1.52 %) | 1.24 points | See details |
| United Kingdom β Philippines | Wise (1.17 %) | 1.16 points | See details |
| Germany β Nigeria | Wise (-1.68 %) | 1.00 points | See details |
| Germany β Ghana | Western Union (3.82 %) | 0.81 points | See details |
| Germany β Turkey | Western Union (2.22 %) | 0.67 points | See details |
| United Kingdom β India | Wise (0.66 %) | 0.57 points | See details |
| United Kingdom β South Africa | Western Union (2.81 %) | 0.01 points | See details |